From the Ohio Department of Insurance:
Average Auto and Home Insurance Premiums for Ohioans Rank Among Lowest in Country
COLUMBUS – Ohio insurance consumers pay among the lowest average auto and homeowners insurance premiums in the country according to a recent analysis, Ohio Department of Insurance Director Jillian Froment announced.
Ohioans paid an average of $862 (9th lowest) for homeowners insurance and $778 (13th lowest) for auto insurance in 2017, according to the most recent data from the National Association of Insurance Commissioners. That compares to the national averages of $1,211 and $1,005, respectively, producing a combined average savings for Ohioans $576 below the combined national averages.
"We are fortunate in Ohio to have a robust and competitive insurance marketplace that provides consumers many different insurance options,” Froment said. “I encourage consumers to always comparison shop and make sure they secure adequate amounts of coverage.”
Consumers with insurance questions or concerns can contact the Ohio Department of Insurance at 1-800-686-1526 or consumer.complaint@insurance.ohio.gov. Educational insurance information is available at www.insurance.ohio.gov.
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INSURANCE.OHIO.GOV
Department of Insurance | Ohio.gov
COLUMBUS – Ohio Department of Insurance Director Jillian Froment is urging Ohioans to ensure their property is secure and to conduct an insurance review in preparation for the summer storm season, one of the most destructive and costliest times of year caused by weather.
"Being prepared will help Ohioans stay safer and more financially protected when severe weather strikes," Froment said. "Ohioans should get their property in order by completing routine maintenance and review their insurance coverages and amounts with an agent."
Froment added that it’s important to review your policy because flood insurance and sewer backup coverage are not typically included in a standard property insurance policy. They have to be purchased separately. Additionally, there is a 30-day waiting period before flood insurance kicks in. You can find more information about flood insurance at www.floodsmart.gov.
Froment shared the following tips to help protect Ohioans:
Keep your property properly maintained
• Empty gutters to mitigate excess water accumulation.
• Secure loose gutters and shutters that could break free and cause damage.
• Remove dead branches and/or trees as they are destructive in high winds.
• Consider an annual roof inspection for loose shingles, rotted wood, and leakage.
• Before a storm secure or store outdoor possessions, including a trampoline, furniture, and table and sun shading umbrellas. They can be dangerous projectiles.
Conduct a thorough insurance review
• Damage caused by rain, hail, lightning, wind, or tornado is generally covered by a standard homeowners insurance policy, and a standard renters insurance policy (personal possessions).
• Property insurance policies generally cover roof, gutter, siding, and window damage, and damage to interior walls and ceilings from leaking rain.
• Many policies have a separate deductible specific to wind/hail damage that is either a flat dollar amount or a percentage amount of what the property is insured for.
• If a tree falls on your home, garage or fence, your policy generally will pay to repair damage to the structure and contents, as well as tree removal costs with some possible limitations.
Taking the time to complete a home inventory can expedite the claim filing process if there is damage. Download a free home inventory app or print an inventory worksheet from the National Association of Insurance Commissioners website, www.naic.org. To initiate claim filing, contact your insurance agent or company right away.
Consumers with any insurance questions and to file an insurance-related complaint can contact the Ohio Department of Insurance at 1-800-686-1526 and consumer.complaint@insurance.ohio.gov. A severe weather preparation and recovery toolkit is available at www.insurance.ohio.gov. Safety information can be found at www.ema.ohio.gov.
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ORIGINUSDA-WWW.FLOODSMART.GOV
originusda-www.floodsmart.gov
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